Why you still need travel insurance when travelling in the UK

When there isn’t as much money in the holiday fund jar as there used to be, travellers are looking to stay in the UK for a cheaper getaway. Would you think to get travel insurance when you aren’t going overseas? As many as 58%* of travellers that stay in the UK are not taking out travel insurance.

Many Annual Multi-trip policies automatically cover you for UK travel as long as you are away for more than 3 days and have pre-booked accommodation. This will therefore include long weekends away which many people decide on, so they don’t have to take as much time off work.

Annual Multi-trip policies are ideal when you go on those last minute UK holidays or long weekends, as well as covering for trips further afield.

Medical expenses

When buying travel insurance and staying in the UK you are covered under the NHS which means you will not need cover for medical expenses.

Personal possessions 

Although you are on home-soil, have you thought about what belongings you will be taking with you? Many of us nowadays have expensive gadgets and accessories, like mobile phones, eBooks, MP3 players and cameras which we all take with us when we go on holiday. It is worth adding up the total of these gadgets and considering how much it would cost to replace them if they were lost or stolen while you were away.

Some home insurance policies may cover certain items whilst away so do check with your provider as you may not need to worry too much about the personal possessions cover on the travel insurance policy. But do remember to take a look at the limits as if you have a rather expensive camera your home insurance policy may not cover the amount required and so a travel insurance policy may be more suitable.

If you have to come home early

Although when on holiday, coming home early is the last thing you want to think about is coming home early, you still need to consider if you would be out of pocket if this was to happen.

When travelling in the UK you may have booked a hotel, cottage or flights where you sometimes have to pay a deposit or even the whole cost upfront. It may be difficult to recoup the money if you have to come home early due to the illness, injury or death of yourself, the person you are travelling with, a close relative or a business associate also in the UK.


The unexpected can happen and unfortunately can be serious enough that we have to cancel our holiday plans. Again, you may have paid a deposit or the whole cost upfront and without travel insurance you might have trouble getting your money back if you have to cancel. Only certain instances will be covered and you will need to ensure you are familiar with your policy wording.

24/7 Annual Multi-trip travel insurance starts from only £40.86* in Europe and includes travel within the UK as long as it is 3 or more days.

*Source- http://www.pru.co.uk
** Premium £40.86 includes Insurance Premium Tax based on an adult aged 18-54 taking out a ‘Standard’ Annual Multi-trip 24/7 travel insurance policy including personal possessions cover in Europe. Maximum 31 days per trip. Cover details and prices are correct at time of going to press (6 July 2011) and are subject to change. You must read the policy wording to ensure you are familiar with your cover.